Logotype for Customers Bancorp Inc

Customers Bancorp (CUBI) investor relations material

Customers Bancorp Q3 2025 earnings summary

Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.
Logotype for Customers Bancorp Inc
Q3 2025 earnings summary24 Oct, 2025

Executive summary

  • Achieved strong Q3 2025 results with net income of $73.7 million, EPS of $2.20, and ROAA at 1.26%, driven by significant deposit and loan growth, margin expansion, and improved efficiency.

  • Continued franchise transformation through new team recruitment, digital platform enhancements, and leadership transition with Jay Sidhu moving to Executive Chairman in 2026 and Sam Sidhu named CEO.

  • Maintained robust capital and liquidity positions, supported by a $163 million common equity raise, enabling future growth and potential preferred stock redemption.

  • Asset quality remained strong with NPA ratio at 0.25% and reserves at 534% of non-performing loans.

  • Book value per share and tangible book value per share both increased by 6.2% over Q2 2025, reaching $59.83 and $59.72, respectively.

Financial highlights

  • Net interest income for Q3 2025 was $201.9 million, up 14% quarter-over-quarter and 27% year-over-year, with net interest margin expanding by 19 basis points to 3.46%.

  • Total revenues were $232 million, up 12% quarter-over-quarter.

  • Total assets grew 8% quarter-over-quarter to $24.3 billion; total deposits up 8% to $20.4 billion; total loans and leases up 6% to $16.3 billion.

  • Efficiency ratio improved to 45.4%, with non-interest expense as percent of average assets at 1.74%.

  • Tangible book value per share increased 6.2% sequentially to $59.72.

Outlook and guidance

  • FY 2025 outlook raised: deposit growth expected at 8%-10%, loan growth at 13%-14%, and net interest income at 13%-15%.

  • Core efficiency ratio projected below 50% for the year, versus 56% in 2024.

  • CET1 ratio projected to remain around 13% at year-end 2025.

Partial view of Summaries dataset, powered by Quartr API
Research faster. Power your platform.

Next Customers Bancorp earnings date

Logotype for Customers Bancorp Inc
Q4 202530 Jan, 2026
Your earnings 
season toolkit.
Download
Free on both iOS & Android.

Next Customers Bancorp earnings date

Logotype for Customers Bancorp Inc
Q4 202530 Jan, 2026

The essential earnings season companion

The #1 app for live earnings calls, transcripts, analyst estimates, and more. All for free.

Live calls and transcripts

Listen to earnings calls, CMDs, investor conferences, and more – with a podcast-like experience.

Find what you need faster

Search for any keyword across all transcripts simultaneously.

Easily store key findings

Capturing important takeaways is as simple as it gets. Even during your lunch run or commute.

Your watchlist. Your dashboard.

Follow the companies that matter to you. Get a personalized feed with real-time updates.

Be the first to know

Set keyword alerts for any company, product, or competitor. Get notified the moment they're mentioned.

Consensus estimates

Access analyst consensus estimates, valuation multiples, and revenue segments splits.

All IR material in one place

The easiest way to stay updated during earnings season.

Global coverage

All events from public companies. Live and recorded.

Just click and listen

No webcast links. No manual registrations.

Research anytime, anywhere

Built for professionals. Loved by everyone. Try our free mobile app.

excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
App-store-avatar.png play-store-avatar.png
Leroy DaleyApp Store
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
play-store-avatar
Eferix Drawings Google Play
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
App-store-avatar.png play-store-avatar.png
anuj283App Store
excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
App-store-avatar.png play-store-avatar.png
Leroy DaleyApp Store
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
play-store-avatar
Eferix Drawings Google Play
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
App-store-avatar.png play-store-avatar.png
anuj283App Store
I can't remember the last time an app had such a positive impact on my investment process.
x-avatar
@ankurshah47_ x.com
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
App-store-avatar.png play-store-avatar.png
Amina0781App Store
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
x-avatar
@theshortbearx.com
I can't remember the last time an app had such a positive impact on my investment process.
x-avatar
@ankurshah47_ x.com
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
App-store-avatar.png play-store-avatar.png
Amina0781App Store
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
x-avatar
@theshortbearx.com

Frequently asked questions

Customers Bancorp Inc is a bank holding company that operates through its subsidiary, Customers Bank, providing commercial and consumer banking services. The company offers a range of financial products, including business and personal loans, deposit accounts, cash management, and mobile banking solutions. It serves small and medium-sized businesses, professional firms, individuals, and institutional clients. The company is headquartered in West Reading, Pennsylvania, and its shares are listed on the NYSE.

Quartr provides global coverage of all investor relation material from public companies.

  • Mobile app: Research anytime, anywhere with the #1 app for live earnings calls, transcripts, analyst estimates, and more. All for free.

  • Desktop (Quartr Pro): The leading platform for qualitative research, used daily by top firms and financial institutions.

  • Quartr API: Build custom solutions powered by live earnings calls, live transcripts, filings and reports, slide presentations, and more.

Yes, the Quartr mobile app is free on both iOS and Android.

Yes. Quartr provides global, industry-leading live coverage of company events such as regular earnings calls, capital markets days, M&A announcements, and investor conferences. Live with zero delays. Just click and listen.

Yes, capturing important takeaways is as simple as it gets. Even during your lunch run or commute.

Yes. Follow the companies that matter to you. Get a personalized feed with real-time updates, a tailored earnings calendar, and instant alerts when earnings calls go live.

Yes. Set keyword alerts for any company, product, or competitor. Get notified the moment they're mentioned, regardless of who's talking.

Explore our global coverage